STATE FARM AUTO ADJUSTER END OF COURSE EXAM
2025/2026 QUESTIONS AND ANSWERS GRADED A++
✔✔Uninsured Motor Vehicle Property Damage Coverage (UPD) - ✔✔Pays for damage
to your car caused by another person without liability insurance or insufficient limits. The
most State Farm will pay is the lowest of $10,000, the actual cash value, or the cost to
repair or replace.
✔✔What is the purpose of Medical Payments Coverage? - ✔✔To provide coverage for
medical expenses incurred due to accidents.
✔✔What is the significance of the coverage limits in Uninsured Motor Vehicle
Coverage? - ✔✔It allows you to decide how much coverage is available to pay your
damages.
✔✔What types of automatic safety systems can affect vehicle insurance discounts? -
✔✔Automatic Seat Belts, Air Bag (Driver Side Only), Air Bags (Driver and Passenger
Side), Air Bags and Automatic Seat Belts (Driver and Passenger Side).
✔✔How often must the Motor Vehicle Accident Prevention Course be repeated to
maintain the discount for drivers age 55 or older? - ✔✔Every three years.
✔✔Comprehensive Coverage (D) - ✔✔It pays for a covered car that is stolen or
damaged by causes other than collision, such as fire, theft, or vandalism, or hitting an a
bird or an animal
✔✔Collision Coverage (G) - ✔✔It pays for a covered car that is damaged by collision
with another object or by overturning.
✔✔What factors should you consider when choosing a deductible for your insurance? -
✔✔How much of a loss you are willing to pay out of pocket to save money on
premiums.
✔✔Emergency Road Service Coverage (H) - ✔✔Mechanical labor for up to one hour,
towing to the nearest place repairs can be made. Delivery of gas, oil, battery, or change
of tire but not the cost of these items. Locksmith for up to one hour if vehicle's key is
lost, stolen, or locking inside of the car.
✔✔What should you do if you need emergency assistance for your vehicle? - ✔✔Call
any service provider in the area.
✔✔What is the purpose of a deductible in insurance policies? - ✔✔Deductibles lower
your premium but increase the amount you must pay out of pocket if a loss occurs.
, ✔✔What is the impact of higher deductibles on insurance premiums? - ✔✔Higher
deductibles save you money on premiums but increase your out-of-pocket expenses
when a loss occurs.
✔✔What types of damages are covered by Comprehensive Coverage? - ✔✔Damage
caused by fire, wind, hail, flood, earthquake, theft, vandalism, or hitting a bird or animal.
✔✔What is the importance of reviewing a vehicle's claims record for discounts? -
✔✔The claims record for the seven prior model years is reviewed annually to adjust the
discount percentage.
✔✔Car Rental and Travel Expenses Coverage (R1) - ✔✔Car Rental Expense- Pays up
to the amount you choose, when you rent a car while your covered car is not drivable
due to a loss that would be payable under Comprehensive or Collision Coverage
* Travel Expenses- pays up to
✔✔What is the maximum amount paid for car rental expenses under State Farm's
coverage? - ✔✔Up to $1,500 per occurrence.
✔✔What is the total limit for travel expenses when your car is not drivable more than 50
miles from home? - ✔✔Up to $500 for meals, lodging, and transportation.
✔✔What does the Rental Car - Repayment of Deductible Amount Expense cover? -
✔✔Up to $500 for a deductible you may be responsible for if you have an accident in a
rental car.
✔✔What are the coverage limits for Death, Dismemberment, and Loss of Sight
Coverage? - ✔✔Limits of $5,000 and $10,000 are available.
✔✔Under what condition are the coverage limits for death, dismemberment, or loss of
sight doubled? - ✔✔If the insured was using a seat belt in a recommended manner at
the time of the accident.
✔✔What does Loss of Earnings Coverage provide? - ✔✔It pays for lost earnings if a
covered person is unable to work due to injuries from a car accident.
✔✔What percentage of lost weekly earnings does State Farm cover under Loss of
Earnings Coverage? - ✔✔85% of the loss, up to $250 per week.
✔✔What is the total maximum payout for Loss of Earnings Coverage? - ✔✔Up to
$15,000 total.
2025/2026 QUESTIONS AND ANSWERS GRADED A++
✔✔Uninsured Motor Vehicle Property Damage Coverage (UPD) - ✔✔Pays for damage
to your car caused by another person without liability insurance or insufficient limits. The
most State Farm will pay is the lowest of $10,000, the actual cash value, or the cost to
repair or replace.
✔✔What is the purpose of Medical Payments Coverage? - ✔✔To provide coverage for
medical expenses incurred due to accidents.
✔✔What is the significance of the coverage limits in Uninsured Motor Vehicle
Coverage? - ✔✔It allows you to decide how much coverage is available to pay your
damages.
✔✔What types of automatic safety systems can affect vehicle insurance discounts? -
✔✔Automatic Seat Belts, Air Bag (Driver Side Only), Air Bags (Driver and Passenger
Side), Air Bags and Automatic Seat Belts (Driver and Passenger Side).
✔✔How often must the Motor Vehicle Accident Prevention Course be repeated to
maintain the discount for drivers age 55 or older? - ✔✔Every three years.
✔✔Comprehensive Coverage (D) - ✔✔It pays for a covered car that is stolen or
damaged by causes other than collision, such as fire, theft, or vandalism, or hitting an a
bird or an animal
✔✔Collision Coverage (G) - ✔✔It pays for a covered car that is damaged by collision
with another object or by overturning.
✔✔What factors should you consider when choosing a deductible for your insurance? -
✔✔How much of a loss you are willing to pay out of pocket to save money on
premiums.
✔✔Emergency Road Service Coverage (H) - ✔✔Mechanical labor for up to one hour,
towing to the nearest place repairs can be made. Delivery of gas, oil, battery, or change
of tire but not the cost of these items. Locksmith for up to one hour if vehicle's key is
lost, stolen, or locking inside of the car.
✔✔What should you do if you need emergency assistance for your vehicle? - ✔✔Call
any service provider in the area.
✔✔What is the purpose of a deductible in insurance policies? - ✔✔Deductibles lower
your premium but increase the amount you must pay out of pocket if a loss occurs.
, ✔✔What is the impact of higher deductibles on insurance premiums? - ✔✔Higher
deductibles save you money on premiums but increase your out-of-pocket expenses
when a loss occurs.
✔✔What types of damages are covered by Comprehensive Coverage? - ✔✔Damage
caused by fire, wind, hail, flood, earthquake, theft, vandalism, or hitting a bird or animal.
✔✔What is the importance of reviewing a vehicle's claims record for discounts? -
✔✔The claims record for the seven prior model years is reviewed annually to adjust the
discount percentage.
✔✔Car Rental and Travel Expenses Coverage (R1) - ✔✔Car Rental Expense- Pays up
to the amount you choose, when you rent a car while your covered car is not drivable
due to a loss that would be payable under Comprehensive or Collision Coverage
* Travel Expenses- pays up to
✔✔What is the maximum amount paid for car rental expenses under State Farm's
coverage? - ✔✔Up to $1,500 per occurrence.
✔✔What is the total limit for travel expenses when your car is not drivable more than 50
miles from home? - ✔✔Up to $500 for meals, lodging, and transportation.
✔✔What does the Rental Car - Repayment of Deductible Amount Expense cover? -
✔✔Up to $500 for a deductible you may be responsible for if you have an accident in a
rental car.
✔✔What are the coverage limits for Death, Dismemberment, and Loss of Sight
Coverage? - ✔✔Limits of $5,000 and $10,000 are available.
✔✔Under what condition are the coverage limits for death, dismemberment, or loss of
sight doubled? - ✔✔If the insured was using a seat belt in a recommended manner at
the time of the accident.
✔✔What does Loss of Earnings Coverage provide? - ✔✔It pays for lost earnings if a
covered person is unable to work due to injuries from a car accident.
✔✔What percentage of lost weekly earnings does State Farm cover under Loss of
Earnings Coverage? - ✔✔85% of the loss, up to $250 per week.
✔✔What is the total maximum payout for Loss of Earnings Coverage? - ✔✔Up to
$15,000 total.
